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As a homeowner, it's important to insure your home and its contents. Depending on your property's location, your home is either considered at high risk or at moderate to low risk for a flood. Your flood insurance premium will vary based on your risk.
Flood insurance isn't federally required in moderate- to low-risk areas, but it's still a good idea. In fact, people in these areas file more than 20 percent of all National Flood Insurance Program (NFIP) flood insurance claims. Most homeowners in moderate- to low-risk areas can get coverage at a reduced rate. Preferred Risk Policy (PRP) premiums, the lowest premiums available through the NFIP, offer building and contents coverage for one low price. If you don't qualify for a PRP, a standard-rated policy is still available.
If you live in a high-risk area, you are required to purchase flood insurance if you have a mortgage through a federally regulated or insured lender. A standard-rated policy offers separate building and contents coverage.
The Dwelling Policy Form provides insurance for buildings with one to four units, including single-family condominium units and townhouses. The General Property Policy Form provides insurance for other residential and commercial buildings. Both forms offer the option of insuring the building's contents.
Premiums are calculated based on factors such as:
Learn your flood risk and find agents in your area by completing your One-Step Flood Risk Profile on this page. Or enter your ZIP code to find an agent.
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Flooding can happen anywhere, but it's important to understand the different flood risks.
Understand the essentials of flood insurance.
Policy rates are based on many factors, including flood risk, amount of coverage, and building elevation.
Coverage is available for both building and contents whether or not your condominium is owned by an association.
Contents-only flood insurance policies are available for renters.
Check out our flood insurance Frequently Asked Questions, which can answer all your questions about what you need to know.
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